Aiello & Associates - DISCLAIMERS

Any information listed on this site is strictly confidential and not shared with any other entity besides our affiliates and employees that offer products being requested by you the consumer.

The information contained in this website is provided as a service to the Internet community. Any user of this information is hereby advised that it is being provided as-is. Nothing in this website is to be considered as advice. Every effort is made to ensure that the enclosed material is accurate and up-to-date. The accuracy of the enclosed material is deemed reliable, but not guaranteed. The information provided may be subject to errors and omissions. Visitors to this site agree that Aiello & Associates is not liable for errors or omissions of any of the information contained herein. Furthermore, this site provides links to sites administered by other organizations for which Aiello & Associates cannot warrant the accuracy.

This material contained in this website is being provided to you free of charge and for informational purposes only and to help you locate and secure professional assistance. The information provided on this site should not be used as a substitute for advice of legal counsel.

If asked by our professionals if your home is under construction for home improvements, and we are told "No", when in fact it is, Aiello & Associates shall not to be held liable for any loss of mortgage payments while the loan is still in the funding process.  A new mortgage loan will not fund, unless the appraiser verifies that all of the work being done at the time of the appraisal is final and complete.

An approval from a Lending Institution does not guarantee that a loan will fund.  In some situations, an underwriter may find that a mortgage not reporting on a credit report at the beginning of the loan process is now on the credit report; this can affect the overall DTI (Debt-to-Income Ratio) percentage and cause the loan to be immediately denied.

It is advised that any homeowner involved in the refinance process with Aiello & Associates, to continue to make payments on all of their existing mortgages and other obligations until the new loan is funded.

Aiello & Associates is not a direct lender and does not regulate guidelines for any of the loan programs available with any of our affiliate lenders.  It is our duty to consult and qualify our applicants with the utmost respect and dignity.

Although some of the enclosed material is the property of "Aiello & Associates" and "a la mode, Inc.", other material was obtained from various sources, including the following:

County of Los Angeles - Department of Consumer Affairs

Federal National Mortgage Association (FNMA)

National Association of Realtors (N.A.R.)

Old Republic Title Company

U.S. Department of Housing and Urban Development (HUD)